I would argue the Fidelity Visa should sit ahead of all the other flat 2% cards you listed when considering the TSA PreCheck credit and no FTF Admittedly, the Active Cash likely has a better SUB so that would need to be considered… More on reddit.com

If such a card existed that be the only card anyone here would use Besides Robinhood 3% back card Or Bank of America platinum honors 2.625% cash back there aren’t any cards that do what you are looking for it’s just not sustainable More on reddit.com

Cancel a 20 yr old card? PC to another CCR. And add a PR or PRE. More on reddit.com

You already have the common good suggestion in the CDCs. If you really want to close some cards, you can do it (they’ll continue to age on your profile after closure, so don’t worry about them affecting your average age of credit, especially considering how old your cards are). If they’re no AF though, then you might as well keep them. To get >2% it starts to get tricky. BoA with $100k+ parked in Merrill Lynch + Premium Rewards for 2.625%, RH Gold (dishonest issuer), perhaps smaller regional credit unions with good offers. If you really want to sweat it out to achieve >2% and maximize return, you can: Do the Citi Custom Cash upgrade/downgrade loop until you have a bunch of them Churn Ink Businesses (effectively 12.5% CB) AMEX BBP w/ 15-50k SUB, 12mo. 0%APR intro offer, pay the minimum every month until the last month, invest the funds you would’ve contributed otherwise into your business or to earn interest from HYSA/CD, cash out with CS Plat @ 1.1cpp Or any variation of abusing SUBs and 0% APR intro offers tbh EDIT: I just saw you were closed off to business cards, but you shouldn’t be. Especially because you essentially are running a business. Don’t worry about potential tax implications or whatever, you would continue doing what you’re already doing. More on reddit.com